SATIN FINSERV LIMITED

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INE03K307033 is Out of Stock

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INE03K307033 - Bond Details

Returns (YTM)

N/A

Min. Investment

N/A

Remaining Tenure

1Y 8M 19Days

Payment Terms

Quarterly

Highlights

Credit Rating

ICRA A-/STABLE

Seniority

SENIOR

Security

Secured

Default History

Zero

Strong Team : Led by Founder, Chairman and Managing Director Dr. H. P. Singh, who brings 30+ years of experience in lending and financial services and has held leadership roles at Sa-Dhan and FICCI, the promoter group held a 36.2% stake as of March 31, 2025.

Comfortable Capitalisation : Net worth strengthened significantly to INR 287Cr as of March 2026 from INR 190Cr in March 2025. Satin also maintains a strong capital position with a CRAR of 36.1% and low gearing of 2.7x, supported by continued capital infusion from parent SCNL.

Moderate scale of Operations : 55% annualised AUM growth to ~INR 1000Cr as of March 2026, driven by strong momentum in its sustainability focused business vertical.

Company Financials

AUM

Net Worth

PAT

Cash & Cash Eq.

Important disclaimer

Ratio Analysis

2.35

Net NPA

Good

Benchmark: Lower than 3%

3.8

Gross NPA

Good

Benchmark: Lower than 5%

29.55

Capital Adequacy Ratio

Good

Benchmark: Minimum 14%

2.85

Debt to Equity Ratio

Good

Benchmark: Lower than 6 times

Important disclaimer

About Issuer

Satin Finserv, a member of the prestigious SATIN Group, entered the scene in March 2019 with a mission to address India's persistent financial inclusion challenges, particularly within the MSME sector. Targeting small business owners in manufacturing, trading, and services, the company offers a diverse range of financial services to empower entrepreneurs and individuals often overlooked by mainstream finance.

Built on a foundation of excellence, accountability, and teamwork, Satin Finserv fosters a supportive work environment, emphasizing sustained growth and dedication among its team members. The company's ethos, "Nurturing Lives," reflects its commitment to creating value for all stakeholders, extending beyond mere financial transactions to make a positive impact on customers, partners, and communities.

Satin Finserv aspires to contribute significantly to India's economic strength by bridging financial gaps and empowering underserved sectors, ensuring a commitment to making a tangible difference in the country's economy.

Total Annual Revenue

107 Cr (FY 2022-23)

Year of Inception

2018

Industry

NBFC Corporate

Head Office

Gurugram

Type of Issuer

Corporate

Current MD/CEO

Mr.H P Singh

Credit Rating / Outlook

A- STABLE

ICRA

Rating Rationale

Rating Date: 08-Jan-2024

Credit rating by different rating agencies indicates the bond issuer’s ability to repay its debt obligations. A bond can be rated by one or more SEBI registered credit rating agencies e.g. CRISIL, CARE, ICRA, IND, BWR, ACUITE, INFOMERICS.
Bonds/NCDs with A credit rating are considered to have an adequate degree of safety regarding timely servicing of debt obligations. Such Bonds/NCDs carry low credit risk.
Stable Outlook suggests that the rating is unlikely to change significantly in the near to medium term, indicating a stable credit profile of the issuer.

Other Important Details & Disclosures

Issuer Name

SATIN FINSERV LIMITED

Security Name

10.85% SATIN FINSERV LIMITED Secured Rated Listed NCD Maturity 26-Jun-2026

ISIN

Copy

INE03K307033

Face Value

₹ 1,00,000

Issued FV

₹ 1,00,000

Coupon Rate

10.85%

Coupon Type

FIXED

Payment Terms

Quarterly

Maturity Date

26-Jun-2026

Clean Price

₹ 99.2

Dirty Price

Current Yield

10.9373%

Yield to Maturity

11.8638%

Mode of Issue

Private Placement

Date of Issue

28-Jun-2024

Listed

Yes

Instrument Type

Taxable

Security

Secured

Seniority

SENIOR

Perpetual

Trustee Details

Axis Trustee Services Limited

The Ruby, 2nd Floor, SW, 29, Senapati Bapat Marg, Dadar West,Mumbai- 400028

Registrar Details

KFIN TECHNOLOGIES PRIVATE LIMITED

Plot No. 17-24, Vittal rao Nagar,Madhapur,Hyderabad 500081

Looking For More Information ?

Download Prospectus

Taxation

10%

TDS on Interest Income*

*Given TDS is indicative and fully claimable while filing ITR. The interest income from this bond will be taxable and will appear in the additional source of income in your ITR. Please consult your tax advisor for precise taxation details
As a listed bond, it is subject to capital gains tax based on the holding period. A holding period of less than 1 year qualifies as short-term, while more than 1 year qualifies as long-term.
You can submit your Form 121 to the registrar and debenture trustee of the bond to avoid the TDS deduction. Download Form

Registrar details: KFIN TECHNOLOGIES PRIVATE LIMITED Plot No. 17-24, Vittal rao Nagar,Madhapur,Hyderabad 500081

This bond is
currently out of stock

Download Cashflow

FAQs about SATIN FINSERV LIMITED bonds

How to buy this SATIN FINSERV LIMITED bond online?

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What is the yield of this SATIN FINSERV LIMITED bond?

undefined% is the current yield of this SATIN FINSERV LIMITED bond. A bond’s current yield indicates the annual return based on its current market price and annual coupon payment.
In addition to current yield, the yield to maturity (YTM) of this SATIN FINSERV LIMITED bond is undefined%, which indicates the total expected return if the bond is held till the maturity date. It is calculated using the XIRR method considering current price, face value, coupon payments, and time to maturity.

Is it safe to invest in bonds?

Investing in bonds is relatively a safer option but it depends on factors like:

The creditworthiness of the issuer indicated by the credit rating
The debt quality of the bond indicated by its seniority and security
Your investment goals and risk appetite

If you are an existing bond investor and want to sell your bond holdings before maturity, you can do so through the secondary market. This can be done either through exchanges such as BSE or NSE, or you can also request a quote from your relationship manager at GoldenPi.

How to redeem this SATIN FINSERV LIMITED bond?

To redeem this SATIN FINSERV LIMITED bond, bond, kindly first check its redemption value and redemption schedule. This can be found by downloading the cash flow from the “Calculate Your Returns” section of this page or by contacting the support team at GoldenPi.
Once you buy this bond, the units would be reflected in your demat account.
Upon maturity, the bond units held in your demat account will be automatically debited on the maturity date, and if the maturity date falls on a bank holiday, the redemption amount will be paid out on the next working day.
The funds will be credited to the bank account linked to your demat account. The process of redeeming this SATIN FINSERV LIMITED bond is generally simple and straightforward. Contact our support team for more information.

Is this SATIN FINSERV LIMITED bond tax-free?

No, this SATIN FINSERV LIMITED bond is not tax free. The interest income received from these bonds will be treated as “income from other sources” in the ITR and the tax will be calculated as per your income tax slab.

To know more about taxation in detail please read this article: https://goldenpi.com/blogessentials/bond-market/taxation-on-gains-from-bond-investments/

Can I sell this SATIN FINSERV LIMITED bond before the maturity date?

Yes, it is possible to sell this SATIN FINSERV LIMITED bond before maturity. However, as the sale process happens in the secondary market, the price can be determined by a variety of factors, including interest rates, credit ratings, company performance, and market demand.

To know more about the sale process, contact us at https://goldenpi.com/contact-us

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Risk Disclosure & Regulatory Information

Fixed returns do not mean guaranteed or assured returns. Investments in corporate debt securities, municipal debt securities, and securitised debt instruments carry credit risk, market risk, and default risk, including delay or default in payment. Please read all offer-related documents carefully before you invest.

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